It's 1780. The Americans are losing their desperate fight for independence from the most powerful nation on Earth. Britain's navy is crushing outposts up and down the eastern seaboard and the Americans' pitiful navy consists mostly of small-vessel privateers on missions of profit. "Captain Jack" Celia Bancroft is one of those privateers, whose list of debts of honor is a nautical mile long. Sailing for the Americans is the current project on her to-do list, and once she has finished all her tasks, she will then be free to sail on a tide of whimsy. Commander Elliott Raxham, cashiered from His Majesty's Royal Navy, is a newly made British earl who longs for his own independence - from the title he never expected to inherit and the country that has betrayed him time and again. They meet in a Caribbean tavern where he steals a kiss that starts a brawl she finishes. In retaliation, he steals her ship's figurehead and, if that isn't a grave enough insult, proceeds to chase her across the Atlantic to collect on the promise in her kiss. With that, the romance is on, but the adventure is only beginning as Elliott and Celia face obstacle after obstacle in their own fight for independence - a new life together on the American frontier.